Terms of Service

1. Who we are

ChipIn ("we", "us", "our") provides a hosted bill-splitting service at chipinpay.app. By creating an account or joining a ChipIn as a guest, you agree to these Terms.

2. What ChipIn does

ChipIn lets a host scan a restaurant receipt, share it with diners via a link or QR code, and let each diner claim their items so everyone settles their fair share. Card processing, where available, is provided by a third-party payment processor — we don't hold funds.

3. Your account

You must be at least 13 years old to use ChipIn. You're responsible for keeping your sign-in email secure and for activity that happens under your account. Guest sessions are tied to a single device and ChipIn; they expire when the bill is settled.

4. Acceptable use

• Don't use ChipIn for fraud, money-laundering, or any unlawful purpose.
• Don't upload receipts containing other people's private data without consent.
• Don't attempt to break, probe, or overload the service.
• Don't impersonate another person when joining a ChipIn.

5. Payments

When card payments are enabled, you authorise our payment partner to charge the amount shown for your share, plus any disclosed processing fees. Refunds for incorrect charges are handled by the host who created the ChipIn; the payment partner's own terms also apply.

6. Your content

You keep ownership of the receipts, names, and notes you put into ChipIn. You grant us a limited licence to store and display that content so the service can function (showing the bill to your diners, OCR processing, generating totals).

7. Service availability

ChipIn is provided "as is". We work hard to keep the service up but we don't guarantee uninterrupted availability, and we're not liable for losses arising from downtime, OCR mistakes, or third-party payment failures. To the maximum extent permitted by law, our total liability for any claim is capped at the fees you paid us in the previous 12 months (which for free use is zero).

8. Termination

You can delete your account at any time from Settings. We can suspend or terminate accounts that breach these Terms or put the service or other users at risk.

9. Changes

We may update these Terms as ChipIn evolves. Material changes will be announced in-app at least 14 days before they take effect. Continued use after the effective date means you accept the new Terms.

10. Contact

Questions about these Terms? Email legal@chipinpay.app.